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Term Life recommendation

Old 01-10-2023 | 04:19 AM
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Default Term Life recommendation

I’m looking to get a term life policy outside of Delta’s offered options. What companies have you been happy with? Thanks in advance.
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Old 01-10-2023 | 04:33 AM
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If you have a military background, Navy Mutual has some good coverage that may be at a lower price than VGLI and Delta's, depending on your age, etc. Caveat that I haven't died yet, so I don't know how good it actually is. https://www.navymutual.org/
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Old 01-10-2023 | 04:36 AM
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I haven’t died yet either, but I have been happy with NY Life.
A good relationship with the agent began that relationship, though.
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Old 01-10-2023 | 05:46 AM
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We updated our coverage with some laddering policies a few years ago through policy genius. They were fast, responsive, and found us a good value.
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Old 01-10-2023 | 05:59 AM
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Originally Posted by Fly Casual
If you have a military background, Navy Mutual has some good coverage that may be at a lower price than VGLI and Delta's, depending on your age, etc. Caveat that I haven't died yet, so I don't know how good it actually is. https://www.navymutual.org/
Second this, if you are prior military at all, you cannot beat the Navy Mutual offerings (at least 10yrs ago when I scoured the marketplace and compared), and not only that, they seem to be there to help a widow after a passing with the paperwork required to keep the VA and DOD in the loop.
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Old 01-10-2023 | 07:05 AM
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Originally Posted by nene
Second this, if you are prior military at all, you cannot beat the Navy Mutual offerings (at least 10yrs ago when I scoured the marketplace and compared), and not only that, they seem to be there to help a widow after a passing with the paperwork required to keep the VA and DOD in the loop.
I actually got a 20 year term through USAA that was cheaper than Navy Mutual (by a very small amount)

Shop around for sure.
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Old 01-10-2023 | 08:21 AM
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It’s been years ago, but we got a 20-year policy for me and my wife through ALPA’s product. At the time they were the best prices I could find. They sent a nurse to our house for a 5-min medical evaluation (waist measure, weigh-in, etc) and blood draw at no cost. The evaluation unlocked the cheapest prices and was a non-event.
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Old 01-10-2023 | 09:00 AM
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Get an insurance broker who is not linked in to a single company. They can shop your specific situation among numerous companies to find the best deal.
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Old 01-10-2023 | 09:01 AM
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https://www.harveywatt.com/airlinesu...fe-insurance//
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Old 01-10-2023 | 09:44 AM
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Originally Posted by Wolf424
I actually got a 20 year term through USAA that was cheaper than Navy Mutual (by a very small amount)

Shop around for sure.
Check with USAA on exclusions for "aircrew" which was the main reason I avoided or any policy.
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